| 廖理,初众,张伟强.中国居民金融素养与活动的定量测度分析[J].数量经济技术经济研究,2021,(7):43-64 |
| 中国居民金融素养与活动的定量测度分析 |
| Quantitative Analysis of Financial Literacy and Activities of Chinese Residents |
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| DOI： |
| 中文关键词: 金融素养 借贷意愿 融资渠道 金融教育 消费金融 |
| 英文关键词: Financial Literacy Borrowing Will Financing Channel Financial Education Consumer Finance |
| 基金项目:本文获得国家自然科学基金面上项目“中国居民金融素养研究”(71573147)和国家自然科学基金重大项目“互联网背景下金融机构创新规律与业绩表现研究”（71790591）的资助。 |
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| 中文摘要: |
| 研究目标：居民金融素养对金融活动的影响。研究方法：通过在全国范围内抽样调查，收集居民的金融素养、借贷意愿和融资渠道选择数据，进行实证分析。研究发现：一是金融素养对借贷意愿有显著的影响，较低金融素养的家庭更不愿意借贷；二是金融素养对借贷渠道选择也有显著影响，较低金融素养家庭偏好于非正规融资渠道；三是金融素养对非正规融资有显著的影响，较低金融素养家庭更可能有非正规金融机构借款；四是家庭选择非正规融资的原因更可能来自金融知识的匮乏，而不是金融机构的信贷约束。研究创新：丰富了金融素养对金融行为影响的研究。研究价值：有助于我国金融教育战略的制定与实施。 |
| 英文摘要: |
| Research Objectives: To explore the influence of residents' financial literacy on financial activities. Research Methods:In a nationwide sample survey, residents' financial literacy, willingness to borrow and choice of financing channels are selected for empirical analysis. Research Findings:Firstly, financial literacy has a significant impact on the willingness to borrow. Families with lower financial literacy are more reluctant to borrow. Secondly, financial literacy has a significant impact on the choice of lending channels. Higher financial literacy families are more likely to choose from formal financing channels (such as commercial banks), while lower financial literacy households prefer informal financing channels. Thirdly, financial literacy has a significant impact on informal financing. Lower financial literacy families are more likely to have debt which are from non-financial institutions. Lastly, the reasons why households choose informal financing are more likely to come from lack of financial knowledge than from the credit constraints of financial institutions. Research Innovations: Enrich the study of the influence of existing financial literacy on financial behavior. Research Value:It is helpful to the formulation and implementation of Chinese financial education strategy. |
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